Kev ncaj ncees qhib ncaj qha indexing rau pawg neeg

Tus Thawj Saib Xyuas Khoom Muaj Peev Xwm Fidelity npaj yuav nthuav tawm cov cuab yeej ncaj qha indexing hauv Asmeskas uas yuav xav tau kev nqis peev tsawg li $ 1 rau ib qho khoom lag luam, hauv kev txav tseem ceeb los qhib lub tswv yim rau cov tub ua lag luam me.

Lub tswv yim ncaj qha indexing, uas tso cai rau cov tub ua lag luam los tsim cov khoom lag luam raws li lawv tus kheej nyiam, yog dav pom tias yog ib qho kev hem thawj rau lub sij hawm ntev rau cov tsheb sib tw xws li kev sib koom tes thiab kev sib pauv pauv nyiaj.

Ib zaug txwv rau cov neeg ua lag luam nplua nuj, Fidelity txoj kev txav yog qhov tseeb tshaj plaws ntawm kev lag luam ncaj qha nthuav dav rau hauv kev lag luam loj, tshwj xeeb hauv Asmeskas.

Lub Fidelity Solo FidFolios platform yuav nqa tus nqi txhua hli ntawm tsuas yog $ 4.99. Nws yuav tso cai rau cov tub ua lag luam los tsim cov ntawv qhia kev cai, los ntawm kev tsim ib qho los ntawm kos lossis xaiv ib qho ntawm 13 Fidelity thematic Tshuag qauv. Cov tub lag luam tuaj yeem hloov kho cov qauv los ntawm kev ntxiv lossis tshem tawm cov khoom lag luam lossis kho lawv qhov hnyav.

Cov qauv thematic muaj xws li huab xam, kev ruaj ntseg cyber, 5G "kev sib txuas yav tom ntej", tsheb hluav taws xob, lub zog huv, fintech, kev noj qab haus huv digital, biotechnology thiab tshuaj nrhiav pom, staples, kev siv hluav taws xob, kev nqis peev hauv vaj tse, "zoo" cov nyiaj tau los thiab cov neeg hlau thiab cov khoom siv dag zog. txawj ntse.

Kab lus no tau luam tawm yav dhau los los ntawm Kav liam, ib lub npe los ntawm FT Group.

Cov qauv muaj cov khoom lag luam zoo tib yam, Asmeskas cov ntawv txais nyiaj tso nyiaj thiab cov khoom lag luam nyiam, raws li Solo FidFolios lub vev xaib. Cov khoom lag luam txawv teb chaws, kev xaiv thiab lwm yam kev nyab xeeb tsis muaj vaj huam sib luag xws li ETFs thiab cov peev nyiaj sib koom, yuav tsis pib muaj.

Lub platform tshiab, uas Fidelity npaj yuav nthuav tawm "txog lub asthiv tom ntej", yuav tso cai rau cov neeg siv rov qab, yuav thiab txhiv tag nrho cov ntaub ntawv ntawm cov khoom lag luam nrog ib qho nyem, Fidelity cov lus tshaj tawm tau hais.

Tus thawj coj hauv Boston tau hais tias qhov kev loj hlob ntawm kev lag luam ncaj qha yog qhov "kev hloov pauv kev ua si" tom ntej rau cov neeg lag luam muag khoom.

"Kev taw qhia ntawm cov nyiaj sib koom ua ke yog qhov hloov pauv kev ua si rau cov neeg lag luam nruab nrab, tso cai rau lawv nkag mus rau kev lag luam nyiaj txiag ib zaug tsuas yog cov neeg nplua nuj tau nkag mus," Fidelity tau hais. "Tom qab ntawd ETFs tuaj nrog thiab pab nrog ntau haiv neeg thiab muaj peev xwm ua se tau zoo nrog kev lag luam hauv hnub. Tom ntej no yog dab tsi? Direct indexing. "

Qhov chaw ncaj qha indexing tau pom kev loj hlob tawg nyob rau hauv xyoo tas los no, vim tias ntau lub khw tau mob siab rau rub cov tuam txhab nrog cov thev naus laus zis los muab cov kev pabcuam.

Thaum Lub Ib Hlis, UBS tshaj tawm tias nws yuav yuav robo-adviser Wealthfront rau $ 1.4bn. Wealthfront qhov kev sau se-tsawg thiab kev ntsuas ncaj qha thev naus laus zis yog qhov kev txhawb siab tseem ceeb rau kev nrhiav tau, Kirt Gardner, tom qab ntawd UBS tus thawj coj nyiaj txiag, hais rau cov kws tshuaj ntsuam nyob rau lub Ob Hlis.

Thaum Lub Kaum Ob Hlis, BNY Mellon's Pershing tshaj tawm tias nws yuav yuav ncaj qha indexing tus muab Kev Tswj Xyuas Cov Khoom Siv Zoo Tshaj Plaws thiab quav cov cuab yeej rau hauv Pershing X chav tsev tshiab, uas yog lub hom phiaj los tswj "ntau thiab txiav cov cuab yeej thev naus laus zis thiab cov ntaub ntawv teev".

Hauv lwm qhov kev lag luam tsis ntev los no Franklin Templeton tau txais O'Shaughnessy Asset Management, $ 6.4bn quant khw uas ua haujlwm ncaj qha indexing platform; Vanguard scooped ncaj qha indexer Cia li nqis peev; thiab JPMorgan Chase yuav kev cai indexing chaw muab kev pab OpenInvest.

Lub sijhawm tsib xyoos tom ntej no, kev ntsuas ncaj qha yuav nthuav dav sai dua li cov peev nyiaj sib koom thiab ETFs, raws li tsab ntawv ceeb toom lub Yim Hli los ntawm Cerulli Associates.

Cov cuab yeej cuab tam yuav tsum loj hlob ntawm tus nqi ib xyoos ib zaug ntawm 12.4 feem pua, sai dua li qhov kwv yees 11.3 feem pua ​​​​ntawm kev loj hlob ntawm ETFs thiab 3.3 feem pua ​​​​rau cov nyiaj sib koom hauv tib lub sijhawm, raws li Cerulli.

Thaum Lub Kaum Hli Seth Bernstein, tus thawj coj ntawm AllianceBernstein, hu ua indexing ncaj qha "lub sijhawm tiag tiag" uas yuav loj hlob mus ntxiv.

Fidelity qhov kev pabcuam tshiab muaj nyob rau hauv "txhim kho" rau nws cov nyiaj ua lag luam uas twb muaj lawm. Tsis muaj tus nqi them nyiaj lossis cov nyiaj ua lag luam.

Thaum lub Plaub Hlis nws tau dov tawm Fidelity Managed FidFolios, qhov ncaj qha indexing platform uas yuav tsum tau nqis peev yam tsawg kawg nkaus ntawm $ 5,000, nqa tus nqi tswj ntawm 40 lub hauv paus ntsiab lus thiab siv cov ntaub ntawv tswj hwm kev tshaj lij.

Tswj FidFolios tsom rau "qhib lub qhov rooj rau tiam tom ntej ntawm cov neeg siv khoom uas tsis muaj cov cuab yeej cuab tam lossis kev nyiam ua haujlwm nrog tus kws pab tswv yim tsis tau", Ram Subramaniam, Fidelity tus thawj coj ntawm kev tswj hwm nyiaj txiag thiab cov lus qhia digital, hais rau Barron's.

Fidelity cov kev pabcuam yog pheej yig dua li feem ntau ntawm kev sib tw thiab yuav tsum muaj cov khoom muaj nqis qis dua. Charles Schwab, piv txwv li, tsis ntev los no tau tshaj tawm Schwab Personalized Indexing, uas yuav tsum tau $ 100,000 tus account yam tsawg kawg nkaus thiab tseem muaj tus nqi 40bp. Schwab qhov kev pabcuam yuav tsum tau tsawg dua ib nrab ntawm qhov tsawg kawg nkaus ntawm Vanguard Personalized Indexing thiab Goldman Sachs 'Tax-Advantaged Strategies, ob qho tib si yuav tsum tau nqis peev tsawg kawg nkaus $ 250,000.

Fidelity tau hais tias nws qhov kev nthuav qhia ncaj qha uas twb muaj lawm muaj ntau dua $ 33bn hauv cov cuab tam. Lawv tau tuav hauv cov nyiaj tswj hwm nyias, uas nqa "qhov tsawg kawg nkaus los nqis peev", nws hais.

Solo FidFolios cov neeg siv tuaj yeem pib nqis peev nrog $ 1 rau ib qho khoom lag luam thiab xaiv txog li 50 qhov kev nyab xeeb hauv txhua qhov ntaub ntawv, suav nrog cov feem feem.

Fidelity qhov kev txav mus los zoo li yuav yog "kev ua si sib sau ua ke" raws li nws sim los ua ib tus neeg tseem ceeb hauv qhov chaw qis qis qis, hais tias Scott Smith, tus thawj coj ntawm kev sib raug zoo ntawm Cerulli tau hais. Muab cov ntaub ntawv kho kom haum raws li cov hom phiaj ntawm cov tub lag luam yog "txoj kev lag luam mus", nws hais ntxiv.

Kwv yees li 58 feem pua ​​​​ntawm cov neeg lag luam muag khoom txaus siab koom ua ke tag nrho lawv cov peev txheej tau nqis peev rau hauv ib lub tsev kawm ntawv, raws li tsis ntev los no. Cerulli qhia.

Smith tau hais tias "Lub FidFolios tuaj yeem yog qhov sib txawv ntawm kev ncaj ncees mus rau sab saum toj ntawm qee tus neeg ua lag luam 'cov npe ntawm cov chaw muab kev koom ua ke," Smith hais.